我国小额信贷公司的发展研究.docVIP

摘 要 我国小额信贷公司在我国发展历史虽然较为短，但是自其在中国发展以来就体现了其蓬勃发展的趋势，是扶贫致富的重要金融手段之一。虽然小额信贷只有十几年的发展史，但在扶贫和促进农村金融发展的快速发展已经取得了大量的成果。然而，很多国家引只是将小额信贷作为一种扶贫工具，将它认作一种金融服务的形式并不多，并考虑可持续发展的问题。随着小额信贷我国的迅速发展，其发展的环境，盈利能力，股权安排，规避风险和监管管理及其他问题日益突出，其可持续发展性的弊端开始逐步显露出来。在此基础上，结合小额信贷，金融的国际国内的实践依据，发展经济学和制度经济学等相关理论为指导，参考，宏观和微观分析中的应用，考考察和剖析制约小额信贷公司的可持续发展的因素，从而提出相应的解决措施和意见，以此来提高其经营水平和管理体制，实现小额信贷公司的可持续发展。 关键词： “小额信贷” “金融制度” “发展前景”  ABSTRACT Small Credit Company?in Chinas?history?although?relatively?short,?but?since its?development?in the?Chinesereflected its?vigorous development trend,?is one of the most important?financial means?poor?rich.?The development history?of microfinance?only ten years,?but in the?rapid development of?poverty and?promoting rural financialdevelopment has?made a lot of achievements.?However,?the introduction of micro credit?is?started,?almost without exception,?is used as a?poverty alleviation tool,?few people see?it as a?form of?financial?services,?and consider?the problem of sustainable development.?With the rapid?development of microfinance in China,?such as setting?they faced in the?body,?profitability,?ownership,?evade the risk and?supervision of?management?and other?issues have become increasingly prominent,?people have realized the importance?and urgency of?sustainable?development.?On this basis,?in accordance with international?and domestic?practice of microfinance,?financial,?developmenteconomics and institutional?economics and?other related?theory as the guide?and reference,?the use of?macro and micro?analysis,?research?on micro credit?analysis and quantitative analysis?method of qualitative,?textual research on the development of?sustainable factor?sustainable?observation and?analysis of microfinance?and constraints?theproposed?selection mode,?then?a?microfinance institutions?comprehensive,?sustainable development?rates,?improve the operation?management?level and?to strengthen the effective supervision,?and promote the sustainable development?of micro credit?advice. Key